It explains a disturbing government/corporate partnership. Students are exploited for profit. Providers are enriched. For many, rising tuition and fees make higher education unaffordable. Others need large loans to attend. As a result, they become debt entrapped.

Some face burdens up to $100,000 or higher. If unpaid after 30 years, it's a $500,000 obligation. If default or declare bankruptcy, it's unforgiven. Bondage is permanent.

Lenders thrive from defaults. Wages can be garnished. So can portions of Social Security and other retirement benefits. A conspiratorial alliance of lenders, guarantors, servicers, and collection companies derive income from debt service and inflated collection fees.

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Education today grows more unaffordable. Many students are priced out and can't attend. Others become debt entrapped. Growing numbers remain there for life. A predatory system fleeces them.